I am afraid I don't understand. In the same post it is stated that credit cards should be a safety net but later on say that one should charge as much as you can.....

I think that if you think of a credit card as a safety net you are making a potentially huge mistake. Emergencies should be "planned for", in other words assume that they will arise and put money away. 3-6 months of living expenses is a good start.

THe problem with credit cards are emergency funds is there will come the day the the emergency and the regular costs of life overwhelm your ability to pay off the account and even if that only happens for one month it is wasted month being gifted to the CC company.

Put your emergency money in a high-yield savings account so that it can earn a little interest as well.

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